Reliable coverage for every mile you drive.
Auto Insurance
Auto insurance protects more than just your car — it protects your peace of mind. We help drivers across Albany and the Bay Area find the right balance of coverage, cost, and confidence. Whether you're commuting on I-80, navigating Berkeley side streets, or parking in high-traffic areas, we make sure your policy matches your real-world risk and budget.
What’s Included
Protection for Bay Area drivers.
Driving in the Bay Area comes with unique challenges — dense traffic, rising repair costs, and higher-than-average theft rates. Auto insurance should reflect these realities, not just the state minimums. At Freeman Insurance, we walk you through each coverage type in plain language so you can choose protection that truly fits your needs.
01
Liability Coverage
Meets California’s legal requirements for bodily injury and property damage. Protects you financially if you’re responsible for an accident, helping cover injuries, repairs, or legal costs.
02
Collision Coverage
Helps pay for repairs to your vehicle after a collision, regardless of fault — essential in high-traffic areas like Albany, Oakland, or downtown Berkeley.
03
Comprehensive Coverage
Covers vandalism, theft, fire, windshield damage, falling objects, and weather-related losses. Critical in the Bay Area, where auto burglaries and environmental risks are common.
04
Uninsured/Underinsured Motorist
Protects you if you're hit by a driver with little or no coverage. With rising costs and accident rates in California, this coverage provides peace of mind when the unexpected happens.
05
Medical Payments Coverage
Helps with medical costs for you and your passengers after an accident, regardless of fault.
06
Roadside Assistance & Rental Car Options
Optional add-ons for towing, lockouts, dead batteries, and rental car reimbursement — helpful for commuters and families who rely on their vehicles daily.
Why Auto Insurance Coverage Matters
Bay Area driving isn’t simple. Between heavy traffic, rising repair costs, and complex California regulations, the right policy matters. Comprehensive auto insurance protects your finances, your vehicle, and your family when the unexpected happens. In a region where repair shops, labor rates, and car thefts are among the highest in the state, strong coverage helps you get back on the road quickly and confidently.